Originally posted by Bill Krozby
Kids really shouldn't be that expensive unless they get sick and you get charged up the ass by the state of texas whether or not they are actually sick.
Personally id like to have another kid but id make them work.
My threw a huge fit saying theres no way a woman would ever have a kid with me and then when i got a dna test (i knew it was my kid) by the state proving it was my kid they threw another fit saying i screwed them out of a granddaughter.
I was like hey get Steven (my lil brother) to have a kid and threw another fit saying he won't do that because he's too selfish lol
Well you never had to raise your child. The Kids mother did. Why do you try and blend into topics like this. You and Master Blaster were busting my balls on jumpbltc about how easy it was for my generation but not yours.
I should make a small documentary on that as an exercise since I havn't made any docs in over 15 years. to point out how much we made versus what you make. Yes, I made more in 1988-89 than I was making in 2012 whe I finally got a Job for the first time since JEFF HUNTER BLACK LISTEN MY EMPLOYMENT (a regular job). I was in a union and made 13 an hour while making 9.50 in 2012. but then the Min wage went to 10:50 later that year and when I left I was at 12:50. but on the flip side I got insentive pay which added another 3-5 bucks on average an hour. sometimes much more.
still. houses were expensive back then. in 2003 when we purchased the last house in far county we paid close to half a million. we had almost 150 in a down and a 350k loan at 11-12 percent. thats fucked. we had shit credit but wanted to move up.
the interest rate now is 2.3 percent. 3.2 if you have shit credit. thats never happened before.
it's not like a credit card interest. how a house works. 7/8thd of the monthly payments are towards interest. so say I paid 2000 a month. like 1750.00 is towards the interest and 250 towards the principle of the home. Pay attention fuckers. thats only 250 bucks a month goes towards the equity value in the house. tis happens the first few years.. then shifts slowly .. more and more money towards principle and less towards interest. at 15 years in a 30 year loan you're about 50/50 percent on both.
a house over 30 years cost nearly 3x what you paid for it in the sale. you pay the fucking bank twice in interest over 30 years than for the house to be paid outright.
so at interest rates, 3.2 percent means your house payments are like half of what we paid. but the dollar today is worth 1/3rd than 1989 money.
so you should be paying 3 times on morgage (if it was the same interest) but because the interest is fucking in your favore. your payments are half. HALF. even if homes are also 3 times what they were, this means your morgage is half of what our morgage was in 1989 dollars. your 2021 dollars a month is like Me paying 1000 instead of 2000 if I bought a half million house in 1989
So don't fucking cry that you can't do it. You're full of shit. you're just not committed to doing it.
And the funny thing is, if you stuck with your computer education which was shit tier when I was in highschool in 1981-83 (when I took computer sci) you would have a fucking 120k a year job.
FUCK YOU BITCHES
